Comprehensive Coverage:

• Property Coverage - Provides financial protection against loss or damage to your organization's property from standard perils such as lightning, fire and hail, as well as many non-standard items. Additional property coverages are also available including crime and inland marine.
• General Liability Coverage - This protection provides worldwide coverage for:
• The organization's legal liability resulting from injuries to people or damage to property;
• Damage resulting from other offenses, such as libel, slander and defamation of character;
• Legal liability due to volunteer workers, donated labor and spiritual counseling.
• Medical Expenses Coverage - Pays for medical expenses regardless of liability, up to policy limits, for injuries occurring on your premises and for accidents resulting from church activities.

Optional Liability Endorsements

• Organizations can choose additional coverages to further enhance their protection.
• Sexual Misconduct
• Directors, Officers & Trustees
• Employment-related Practices
• Employee Benefits
• Non-Owned and Hired Auto
• Educators Legal Liability

Additional Coverages

• Business Automobile Policy - Transportation is one of the greatest risks for religious organizations. We have excellant rates for 15-passenger vans and church busses.
• Umbrella Policy - This coverage gives your organization an extra layer of liability protection that goes beyond general liability, automobile, and employer's liability coverage.
• Workers Compensation - If an employee is injured or disabled while on the job, this policy will help your organization pay for expenses.
• International Travel Coverage - Offers protection for mission trips.